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"},"textLinks":[{"url":"/particulier/hypotheek/actuele-hypotheekrente/voorwaarden-vaste-hypotheekrente","text":"Fixed mortgage rate conditions"},{"url":"/particulier/hypotheek/maandlasten/maandlasten-zelf-in-de-hand","text":"Loan-to-value ratio"},{"url":"/en/personal/mortgage/current-mortgage-rates/active-payment-discount","text":"Active current account discount"},{"url":"/en/personal/mortgage/buying-a-house/dutch-national-mortgage-guarantee","text":"Dutch National Mortgage Guarantee (NHG)"},{"url":"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate","text":"Energy labels and your mortgage rate"}]},{"componentType":"sectionTitle","title":"Everything you need to know about ING mortgage interest"},{"componentType":"paragraph","richBody":{"value":"On this page you will always find our current mortgage rates. Simply choose:
A mortgage is a loan to buy a house. On that loan, you’re charged interest: mortgage interest.
"}},{"title":"What is our mortgage rate made up of?","richBody":{"value":"When choosing a mortgage, it’s important to be well informed on how your mortgage rate is structured. In general terms, a fixed mortgage rate is made up of an energy label-based product rate and possible rate discounts and surcharges
"},"textLinks":[{"url":"/particulier/hypotheek/actuele-hypotheekrente/opbouw-vaste-hypotheekrente","text":"Find out more about how our mortgage rates are structured"}]}]},{"componentType":"sectionTitle","title":"Bridging mortgage"},{"componentType":"paragraph","richBody":{"value":"A bridging mortgage allows you to (partially) use the equity on your current home for the purchase of a new home, even before you’ve sold your current home. A bridging mortgage is basically an advance that you use to pay for your new home.
"}},{"componentType":"feature","featureName":"mortgage-bridging-loan-component"},{"componentType":"paragraph","richBody":{"value":"The active current account discount, loan-to-value ratio and energy label have no effect on the interest rate on a bridging mortgage.
"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-types/bridging-mortgage","text":"Find out more about the bridging mortgage"}]},{"componentType":"sectionTitle","title":"Variable mortgage rate"},{"componentType":"paragraph","richBody":{"value":"A variable mortgage rate is available only with an interest-only mortgage. The rate will then be fixed for one month and automatically adjusted every month.
"}},{"componentType":"feature","featureName":"mortgage-variable-rates-component"},{"componentType":"paragraph","richBody":{"value":"The active current account discount, loan-to-value ratio and energy label have no effect on the variable mortgage rate.
The variable rate is based on the 1-month Euribor plus a surcharge (variable rate surcharge).
"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates/characteristics-of-variable-mortgage-interest-rate","text":"Find out more about variable mortgage rates"}]},{"componentType":"sectionTitle","title":"Mortgage rates: forecast"},{"componentType":"paragraph","richBody":{"value":"Curious about how mortgage rates may develop over the coming period? ING’s in-house economist Sander Burger publishes fortnightly updates on how he expects mortgage rates to develop in the short and long term.
"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates/mortgagerate-forecast","text":"Take a look at the mortgage rate forecast"}]},{"componentType":"sectionTitle","title":"What others ask about mortgage rates"},{"componentType":"accordion","accordionList":[{"title":"Active Current Account Discount and your mortgage rates: how does it work?","richBody":{"value":"If you use your ING current account on a regular basis, you may be eligible for a discount on your mortgage rate the next time you choose a new fixed-rate period. Called the ‘Active Current Account Discount’, this rate discount will last for as long as you meet a number of conditions.
"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates/active-payment-discount","text":"Check the conditions"}]},{"title":"The effect of your energy label on your mortgage rate: how does it work?","richBody":{"value":"Since 30 April 2025, a property’s energy label has been a factor in setting our mortgage rates. Previously, you could get a sustainability discount if your home had energy label A or better. We have now increased the weighting of the energy label and any energy label can now have an effect on your mortgage rate. Not having a valid energy label may also affect your mortgage rate.
The energy label has an effect on your mortgage rate when you:
It’s important to us that our customers make their homes more sustainable and get to live in an energy-efficient house. We encourage our customers to make sustainability improvements to their homes, because their home’s energy label has a bearing on their mortgage rate. Getting a better energy label may be a way to lower your mortgage rate, either in one go or gradually.
"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate","text":"Read more about energy labels and your mortgage rate"}]},{"title":"What is tax relief on mortgage interest?","richBody":{"value":"Dutch tax legislation lets you deduct part of the interest on your mortgage from your taxable income, provided that you meet certain conditions. This generally means that you pay less in income tax.
Good to know: you can opt to have the Dutch Tax Administration refund part of your mortgage interest on a monthly basis. This is called a provisional refund. Please note that tax relief on mortgage interest may be changed or discontinued altogether in future legislation.
"},"textLinks":[{"url":"/particulier/hypotheek/actuele-hypotheekrente/hypotheekrenteaftrek","text":"Everything you need to know about tax relief on mortgage interest"}]},{"title":"What is a fixed-rate period?","richBody":{"value":"As you can see in our table of current mortgage rates, the fixed-rate period you choose determines the mortgage rate.
Here’s how fixed-rate periods work:
With an improvement of your loan-to-value ratio (except for an NHG product interest rate), you may be able to lower your interest during the fixed-rate term. Has you energy lable improved? You may then also be able to lower your interest during the fixed-rate term.
"}},{"title":"My fixed-rate period is nearing its end. What does this mean for my mortgage rate?","richBody":{"value":"If your fixed-rate period is set to end soon, ING will send you a new interest rate proposal. The new interest rate offered by ING may be lower or higher than your current rate. It’s then up to you to choose your new fixed-rate period with the corresponding interest rate. Make sure you carefully consider your income and expenses when choosing a fixed-rate period.
As a general rule:
When choosing a mortgage, it’s important to be well informed on all the mortgage fees. To help you with that, ING has also put other information about fees in a convenient run-down for you.
"},"textLinks":[{"url":"/en/personal/mortgage/advisory-fees","text":"Advisory fees"},{"url":"/en/personal/mortgage/current-mortgage-rates/other-mortgage-fees","text":"Other mortgage fees"},{"url":"/en/personal/mortgage/your-mortgage/possibly-lower-mortgage-rate","text":"How to influence your fixed mortgage rate"},{"url":"/en/personal/mortgage/current-mortgage-rates/historic-interest-rates","text":"Historical mortgage rates"},{"url":"/en/personal/mortgage/current-mortgage-rates/extended-before-may-2014","text":"Taken out your mortgage or fixed a new mortgage rate before 1 May 2014?"},{"url":"/particulier/hypotheek/actuele-hypotheekrente/gesloten-verlengd-mei-2014-juli-2021","text":"Taken out your mortgage or fixed a new mortgage rate between 1 May 2014 and 1 July 2021?"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"No rights may be derived from this information. ING cannot be held liable for incorrect information. The information provided on this page does not constitute advice.
"}},{"componentType":"paragraph","title":"Note","richBody":{"value":"The English text of the website is a translation of the Dutch original version. This translation is intended for the customer's convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.
"}}]}}}